Market Conditions and Rate Predictions
Key Takeaways
Rate Outlook:
Underwriting Focus Areas:
Financial stability, particularly for pre-IPO or VC-backed firms.
Board oversight and clarity of roles, especially in dual-class share structures.
Product risks related to AI, automated lending, or payment technology.
Market Dynamics
North America and GB
Rate
Primary and Excess
0% to –15%
Rate reductions are achievable, particularly for established FinTechs with clear governance, board visibility, and limited prior losses.
New capacity is entering the market, but brokers must still frame risk stories clearly to unlock competition.
CyXS continues to deploy up to USD/GBP 75 million in cyber capacity for well-controlled FinTechs.